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Texas’ high home prices may mean insurance won’t cover you in a disaster

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Texas’ high home prices may mean insurance won’t cover you in a disaster


AUSTIN (KXAN) – The latest spike in residence costs throughout the capital and Texas might imply your own home insurance coverage is just too low, consultants with insurance coverage researcher Quote Wizard stated.

A latest research by the corporate discovered that extreme climate has tripled within the U.S. over the previous 40 years. Between that improve and the fast rise in residence costs, your insurance coverage might not be capable to cowl you if catastrophe strikes, stated Nick VinZant with Quote Wizard.

Meteorologist Nick Bannin spoke with VinZant about what this implies for householders and what steps you possibly can take to make sure you can rebuild when catastrophe strikes.

You may watch the interview above or learn the transcript under:

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NICK BANNIN, KXAN NEWS METEOROLOGIST: Nick VinZant joins us from Quote Wizard. With some new details about disasters throughout the nation, and particularly right here in Texas, how can we guarantee that we’re insured and lined?

NICK VINZANT, QUOTE WIZARD: Your own home insurance coverage goes to cowl you for just about any form of the pure disasters which might be going to straight influence the bodily construction of your own home, we’re speaking about issues like a twister, a extreme storm, stuff like that.

Most residence insurance coverage just isn’t going to cowl flooding brought on by a pure catastrophe. It’s important to have particular flood insurance coverage for that, usually.

Taking a look at the newest information, what we discovered is that Texas proper now has the second-highest residence insurance coverage within the nation. The typical price is $3,600. Oklahoma is No. 1 with $3,700.

What’s altering, although, is that simply within the final yr, we discovered that the typical residence insurance coverage worth in Texas has elevated by 6%. And that appears like that’s going to proceed. So Texas already has the second-highest, and it’s outpacing the will increase that we’ve seen in different states as nicely.

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BANNIN: And I think about with inflation and the rising price of rebuilding, that’s solely going to go up greater.

VINZANT: Your present residence insurance coverage coverage most likely doesn’t cowl you anymore. For instance, when you had a $300,000 coverage in 2020, that’s not going to cowl changing your own home in 2022. There’s a actual concern amongst the insurance coverage trade that lots of people could also be underinsured relating to their properties. They should go forward and speak to their insurance coverage agent to have a look at rising the worth of their insurance coverage insurance policies as a result of in any other case you won’t be totally lined if your own home is completely broken.



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Texas

Texas A&M-CC visits White and New Orleans

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Juste-Jean and South Carolina State host Coppin State


Associated Press

Texas A&M-CC Islanders (9-6, 2-1 Southland) at New Orleans Privateers (2-12, 0-3 Southland)

New Orleans; Monday, 7:30 p.m. EST

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BETMGM SPORTSBOOK LINE: Islanders -9; over/under is 150.5

BOTTOM LINE: New Orleans hosts Texas A&M-CC after James White scored 23 points in New Orleans’ 76-64 loss to the UT Rio Grande Valley Vaqueros.

The Privateers have gone 0-2 in home games. New Orleans averages 12.7 turnovers per game and is 0-5 when it turns the ball over less than its opponents.

The Islanders have gone 2-1 against Southland opponents. Texas A&M-CC has a 4-5 record against teams over .500.

New Orleans is shooting 38.5% from the field this season, 2.9 percentage points lower than the 41.4% Texas A&M-CC allows to opponents. Texas A&M-CC averages 6.1 made 3-pointers per game this season, 4.2 fewer made shots on average than the 10.3 per game New Orleans allows.

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The Privateers and Islanders match up Monday for the first time in Southland play this season.

TOP PERFORMERS: White is scoring 19.4 points per game with 7.8 rebounds and 1.6 assists for the Privateers.

Owen Dease is shooting 45.5% from beyond the arc with 1.4 made 3-pointers per game for the Islanders, while averaging 9.7 points.

LAST 10 GAMES: Privateers: 1-9, averaging 65.5 points, 32.1 rebounds, 11.3 assists, 5.6 steals and 1.7 blocks per game while shooting 39.3% from the field. Their opponents have averaged 87.4 points per game.

Islanders: 7-3, averaging 82.6 points, 35.2 rebounds, 16.1 assists, 9.3 steals and 3.9 blocks per game while shooting 52.3% from the field. Their opponents have averaged 62.9 points.

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The Associated Press created this story using technology provided by Data Skrive and data from Sportradar.




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Sunday morning carjacking triggers multi-agency chase in North Texas; 18-year-old charged

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Sunday morning carjacking triggers multi-agency chase in North Texas; 18-year-old charged


NORTH TEXAS — A Sunday morning carjacking led to a multi-agency chase and the arrest of an 18-year-old suspect, police say.

Around 8 a.m., Van Alstyne Police Dispatch received a 911 call reporting a carjacking in the 400 block of North SH 5. 

The victim said he was standing by his vehicle when the suspect, dressed entirely in black and wearing a face covering, threatened him with a gun, telling the victim he was “not playing,” and demanding the victim’s keys and money, according to Van Alstyne police. 

The victim said he feared for his safety and complied with the demands, police said.  

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Van Alstyne police said officers arrived “within minutes of the call,” however, the suspect and vehicle were gone. Investigators were able to get surveillance footage showing the suspect in the moments leading up to the incident.

The Van Alstyne Police Department’s License Plate Recognition System received a hit around 12:30 p.m. that the stolen vehicle was traveling southbound on SH 5 in Anna, heading toward Van Alstyne. Van Alstyne police continued tracking the vehicle as it headed north on US 75.

Officers initiated a traffic stop, however, the suspect attempted to flee, leading to a high-speed pursuit that spanned multiple cities including Anna, Melissa, McKinney, Fairview and Allen. 

Van Alstyne police said the chase “peaked” when the suspect exited the highway at Ridgeview Drive in Allen. Police said he made a U-turn, heading back northbound on US 75 before veering off the highway and driving through a construction barrier into a residential area in McKinney.

The suspect abandoned the vehicle on Pride Ct., according to McKinney police, and fled on foot

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A perimeter was set up, McKinney police said, and K-9 units were called in. The K-9 units were able to track the 18-year-old suspect, later identified as Manuel Hernandez, and he was taken into custody without incident or injury.

Hernandez was booked into the Grayson County Jail and charged with aggravated robbery, evading arrest with a vehicle, and unauthorized use of a motor vehicle. 

The Van Alstyne Police Department said it was assisted in the pursuit by the Anna Police Department, Melissa Police Department, McKinney Police Department, Fairview Police Department, Collin County Sheriff’s Office, and Texas Game Warden. 

The investigation is ongoing.

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NFL teams could call and inquire about Texas HC Steve Sarkisian in offseason, report says

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NFL teams could call and inquire about Texas HC Steve Sarkisian in offseason, report says


Steve Sarkisian could be in for an interesting offseason once Texas’ College Football Playoff run ends.

According to ESPN’s Adam Schefter, NFL teams could call and inquire about Sarkisian as they look to fill open head coaching roles. Schefter added that Sarkisian has drawn some interest from the NFL level.

Sarkisian is currently in the middle of his second CFP push with the Longhorns. Texas sits at 13-2 and is one win away from playing for a national championship.

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In February 2024, Sarkisian received a four-year extension that keeps him at Texas through 2030. He has led the Longhorns to a 38-16 record since taking over the program in 2021.

Sarkisian has experience at the NFL level, previously serving as the Oakland Raiders’ quarterbacks coach in 2004 and the Atlanta Falcons’ offensive coordinator from 2017-18.

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Texas looks to keep its strong season rolling when it takes on Ohio State in the Cotton Bowl Classic on Friday at AT&T Stadium.

Find more Texas coverage from The Dallas Morning News here.





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